no claims bonus worth protecting?

24 replies
Found 17th Sep 2016
hello, im looking for quotes for my car insurance, I have 8 years no claims bonus but when I add protection its costing me an extra £300 which is 30% extra of my police anybody know if it is worth protecting.

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24 Comments

100% worth it as it would go up a lot more if yiu lost your no claims bonus. however £300 seems a lot of money. have you checked a few companies?

Original Poster

nwressell

100% worth it as it would go up a lot more if yiu lost your no claims … 100% worth it as it would go up a lot more if yiu lost your no claims bonus. however £300 seems a lot of money. have you checked a few companies?

year, checked multiple sites usually I protect my no claims bonus, but at this moment my quotes are 770 unprotected to 1,200 protected which quite weird since its normally under 70 quid.

Banned

that's very strange. normally it's around £30 ish.
ring the company up directly and ask them why it's £300 more, hopefully they will reduce it as £300 is hell loads.

personally I have never protected mine as I think they would put your insurance up regardless

No, you might keep your no claims bonus after an accident but it's still marked on your record so bumps the premium.

As long as you aren't at fault if you are involved in a crash, you shouldn't lose your no claims bonus.

Think about it you have 8 years no claims because you're a careful driver and the worst case scenario would not totally wipe out your NCB but set you back a bit for the following 3 years
I used to get it all the time for £20ish but its really not worth it a bit like legal protection which is another con

No claims protection is 100% a SCAM, Although your no claims discount remains unaffected your following premiums for the next 4-5 years will be higher.

Also if you had to make a claim you only lose 2 years no claims anyway.

Do not waste any extra, Most insurance only discount 5 years of no claims rendering the extra 3 years a decent safety in event of a claim discount wise ;).

Mate you're not that bright if you paid £300 for no claims protection

CaptCShadow

As long as you aren't at fault if you are involved in a crash, you … As long as you aren't at fault if you are involved in a crash, you shouldn't lose your no claims bonus.



​I thought you still lost them even if it wasn't your fault? as it's a claim no matter who is to blame

Original Poster

KM4353

Mate you're not that bright if you paid £300 for no claims protection



​I haven't paid it's just an quote might as well add an extortionate amount. just wanted to know is no claims protecting justifiable purchasing at this price.

Original Poster

thanks everyone I'm going to try contacting them regarding this, but at 300 pounds I might just leave them unprotected.

Original Poster

shauneco

No claims protection is 100% a SCAM, Although your no claims discount … No claims protection is 100% a SCAM, Although your no claims discount remains unaffected your following premiums for the next 4-5 years will be higher.Also if you had to make a claim you only lose 2 years no claims anyway.Do not waste any extra, Most insurance only discount 5 years of no claims rendering the extra 3 years a decent safety in event of a claim discount wise ;).



​yeah it's a confusing scam, apparently my car insurance comes in only 30 quid more expensive without any no claims bonus. yeah had two accidents not my fault and the insurers couldn't justify the increase in premium, even blamed Britain leaving Europe. for the increase

Original Poster

nwressell

​I thought you still lost them even if it wasn't your fault? as it's a c … ​I thought you still lost them even if it wasn't your fault? as it's a claim no matter who is to blame



​I think that only affects you, if you claim on your Own policy not third party's.

£770 a year, either you have points or fmdrive something good.

8 years no claims is probably the usual maximum of 65% after 5 years. So if you have a claim without NCB protection you go back 2 years to 50% NCB
So don't do it.
Edited by: "Oneday77" 17th Sep 2016

shauneco

No claims protection is 100% a SCAM, Although your no claims discount … No claims protection is 100% a SCAM, Although your no claims discount remains unaffected your following premiums for the next 4-5 years will be higher.Also if you had to make a claim you only lose 2 years no claims anyway.Do not waste any extra, Most insurance only discount 5 years of no claims rendering the extra 3 years a decent safety in event of a claim discount wise ;).



Also if you have a claim and then move to a different insurer your protected ncb means jack. You've had a claim and that's it.

CaptCShadow

As long as you aren't at fault if you are involved in a crash, you … As long as you aren't at fault if you are involved in a crash, you shouldn't lose your no claims bonus.



​i ran somebody over in my 1st year of driving back in the day. the police said it wasn't my fault, my insurance company investigated and said there was no way he could claim and they would not pay. he put a claim in and my insurance went up. they never gave him a penny.

Original Poster

Oneday77

£770 a year, either you have points or fmdrive something good. 8 years no … £770 a year, either you have points or fmdrive something good. 8 years no claims is probably the usual maximum of 65% after 5 years. So if you have a claim without NCB protection you go back 2 years to 50% NCB So don't do it.



​no points and drive a Mondeo 08 nothing flashy only incidents are when an another driver has hit me might be due to that.

Well in that case how often do you drive to Syria?

Backbreaker79

​no points and drive a Mondeo 08 nothing flashy only incidents are when a … ​no points and drive a Mondeo 08 nothing flashy only incidents are when an another driver has hit me might be due to that.



That sound extremely expensive for a Mondeo with 8 years NCD. You should be around £250-£350 depending on your location

If you haven't already put your details into Quidco compare I found them to be the cheapest by a good £70-80 compared to other site even before cash back .... Protecting your no claim bonus like said shouldn't really be any more than £30 tops

sowotsdis

Well in that case how often do you drive to Syria?



​ lol!

I would protect ncd. But £300 doesn't sound right. It shouldn't cost much, which makes it good value.

NCD protection is usually only 10% of your premium price , I would be straight on phone to insurer to query NCD protection price
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